Planning a home purchase or checking whether a refinance fits your budget? Enter the home price, down payment, interest rate, and loan term to calculate principal and interest payments. Compare scenarios such as a 30-year versus 15-year loan, or see how a larger down payment changes the monthly amount. Leave with a payment comparison, a breakdown of loan costs, and a housing budget estimate.
Mortgage Payments
Calculate your monthly mortgage payment and compare loan terms, rates, and down payments.
Use Mortgage Payments
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What it writes
- Monthly payment comparison by loan term
- Principal and interest payment breakdown
- Estimated housing budget with mortgage
How to use it
Include the home price, down payment, quoted interest rate, loan term, and expected property taxes and insurance. That gives you a more useful monthly housing estimate than principal and interest alone.
What you bring
- Home price or mortgage amount
- Down payment, interest rate, and term
- Monthly income and housing costs
- Know the loan amount or home price
A good fit for
- Comparing monthly payments on 15-year and 30-year mortgages
- Checking how a larger down payment changes your home budget
- Estimating payments before discussing a refinance with your lender
Ways to start
A few requests this Agent can handle.
The home costs $420,000, I can put down $85,000, and the rate is 6.5%. Compare monthly principal and interest for 30 years and 15 years.
I’m considering a $350,000 mortgage at 6.25% for 30 years. Show the monthly principal and interest payment and total interest over the loan.
My monthly take-home pay is $7,200, and I’m looking at a $380,000 home with 10% down. Estimate the mortgage payment at 6.75% and suggest a housing budget.
Good to know
This workspace provides text assistance.
- Mortgage approval or lender-specific loan quotes
- Tax, legal, or financial advice
- Calculations use the numbers you enter, not live lender rates
- Estimates may exclude taxes, insurance, and lender fees
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Use it as a draft to review and adapt. Verify calculations, facts, rights, and suitability before relying on it. Do not provide information you do not have permission to share.
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